Annual

S122.1.t U.S.-chartered depository institutions

The Financial Accounts (formerly known as the Flow of Funds accounts) are a set of financial accounts used to track the sources and uses of funds by sector. They are a component of a system of macroeconomic accounts including the National Income and Product accounts (NIPA) and balance of payments accounts, all of which serve as a comprehensive set of information on the economy’s performance.(1) Some important inferences that can be drawn from the Financial accounts are the financial strength of a given sector, new economic trends, changes in the composition of wealth, and development of new financial instruments over time.(1)
Sectors are compiled into three categories: households, nonfinancial businesses, and banks. The sources of funds for a sector are its internal funds (savings from income after consumption) and external funds (loans from banks and other financial intermediaries). (1) Funds for a given sector are used for its investments in physical and financial assets. Dividing sources and uses of funds into two categories helps the staff of the Federal Reserve System pay particular attention to external sources of funds and financial uses of funds.(2) One example is whether households are borrowing more from banks—or in other words, whether household debt is rising. Another example might be whether banks are using more of their funds to provide loans to consumers. Transactions within a sector are not shown in the accounts; however, transactions between sectors are.(2) Monitoring the external flows of funds provides insights into a sector’s health and the performance of the economy as a whole.
Data for the Financial accounts are compiled from a large number of reports and publications, including regulatory reports such as those submitted by banks, tax filings, and surveys conducted by the Federal Reserve System.(2) The Financial accounts are published quarterly as a set of tables in the Federal Reserve’s Z.1 statistical release.
(1) Teplin, Albert M. “The U.S. Flow of Funds Accounts and Their Uses.” Federal Reserve Bulletin, July 2001; http://www.federalreserve.gov/pubs/bulletin/2001/0701lead.pdf.
(2) Board of Governors of the Federal Reserve System. “Guide to the Flow of Funds Accounts.” 2000, http://www.federalreserve.gov/apps/fof/.

For questions on the data, please contact the data source: https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/releases/z1/%
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    1946    
 
 
    2025
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
line 1
Gross saving less net capital transfers paid 		2025 131,071 Millions of U.S. Dollars 117,876 Millions of U.S. Dollars 117,876 Millions of U.S. Dollars Mil. of U.S. $
line 2
Fixed nonresidential investment 		2025 106,650 Millions of U.S. Dollars 82,769 Millions of U.S. Dollars 82,769 Millions of U.S. Dollars Mil. of U.S. $
line 3
Net acquisition of financial assets 		2025 820,521 Millions of U.S. Dollars 246,119 Millions of U.S. Dollars 246,119 Millions of U.S. Dollars Mil. of U.S. $
line 4
Vault cash 		2025 -896 Millions of U.S. Dollars 2,690 Millions of U.S. Dollars 2,690 Millions of U.S. Dollars Mil. of U.S. $
line 5
Reserves at Federal Reserve 		2025 -152,081 Millions of U.S. Dollars -143,512 Millions of U.S. Dollars -143,512 Millions of U.S. Dollars Mil. of U.S. $
line 6
Federal funds and security repos 		2025 40,471 Millions of U.S. Dollars 16,124 Millions of U.S. Dollars 16,124 Millions of U.S. Dollars Mil. of U.S. $
line 7
Debt securities 		2025 136,245 Millions of U.S. Dollars 98,886 Millions of U.S. Dollars 98,886 Millions of U.S. Dollars Mil. of U.S. $
line 8
Open market paper 		2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 9
Treasury securities 		2025 178,670 Millions of U.S. Dollars 194,320 Millions of U.S. Dollars 194,320 Millions of U.S. Dollars Mil. of U.S. $
line 10
Agency- and GSE-backed securities 		2025 -37,250 Millions of U.S. Dollars -9,001 Millions of U.S. Dollars -9,001 Millions of U.S. Dollars Mil. of U.S. $
line 11
Residential mortgage pass-through securities 		2025 -45,747 Millions of U.S. Dollars 40,549 Millions of U.S. Dollars 40,549 Millions of U.S. Dollars Mil. of U.S. $
line 12
Commercial mortgage pass-through securities 		2025 17,331 Millions of U.S. Dollars 17,076 Millions of U.S. Dollars 17,076 Millions of U.S. Dollars Mil. of U.S. $
line 13
Residential CMOs and other structured MBS 		2025 22,849 Millions of U.S. Dollars 24,391 Millions of U.S. Dollars 24,391 Millions of U.S. Dollars Mil. of U.S. $
line 14
Commercial CMOs and other structured MBS 		2025 -3,994 Millions of U.S. Dollars -15,405 Millions of U.S. Dollars -15,405 Millions of U.S. Dollars Mil. of U.S. $
line 15
Other 		2025 -23,504 Millions of U.S. Dollars -19,411 Millions of U.S. Dollars -19,411 Millions of U.S. Dollars Mil. of U.S. $
line 16
Municipal securities 		2025 -13,030 Millions of U.S. Dollars -41,688 Millions of U.S. Dollars -41,688 Millions of U.S. Dollars Mil. of U.S. $
line 17
Corporate and foreign bonds 		2025 10,750 Millions of U.S. Dollars -49,982 Millions of U.S. Dollars -49,982 Millions of U.S. Dollars Mil. of U.S. $
line 18
Private residential mortgage pass-through securities 		2025 301 Millions of U.S. Dollars -266 Millions of U.S. Dollars -266 Millions of U.S. Dollars Mil. of U.S. $
line 19
Private commercial mortgage pass-through securities 		2025 -43 Millions of U.S. Dollars 14 Millions of U.S. Dollars 14 Millions of U.S. Dollars Mil. of U.S. $
line 20
Private residential CMOs and other structured MBS 		2025 -4,420 Millions of U.S. Dollars -4,899 Millions of U.S. Dollars -4,899 Millions of U.S. Dollars Mil. of U.S. $
line 21
Private commercial CMOs and other structured MBS 		2025 -6,235 Millions of U.S. Dollars -5,544 Millions of U.S. Dollars -5,544 Millions of U.S. Dollars Mil. of U.S. $
line 22
Other 		2025 21,147 Millions of U.S. Dollars -39,287 Millions of U.S. Dollars -39,287 Millions of U.S. Dollars Mil. of U.S. $
line 23
Loans 		2025 665,720 Millions of U.S. Dollars 283,740 Millions of U.S. Dollars 283,740 Millions of U.S. Dollars Mil. of U.S. $
line 24
Depository institution loans n.e.c. 		2025 455,650 Millions of U.S. Dollars 152,103 Millions of U.S. Dollars 152,103 Millions of U.S. Dollars Mil. of U.S. $
line 25
Other loans and advances 		2025 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 26
Mortgages 		2025 126,181 Millions of U.S. Dollars 78,416 Millions of U.S. Dollars 78,416 Millions of U.S. Dollars Mil. of U.S. $
line 27
Consumer credit 		2025 74,729 Millions of U.S. Dollars 47,264 Millions of U.S. Dollars 47,264 Millions of U.S. Dollars Mil. of U.S. $
line 28
Corporate equities 		2025 4,917 Millions of U.S. Dollars 11,699 Millions of U.S. Dollars 11,699 Millions of U.S. Dollars Mil. of U.S. $
line 29
Mutual fund shares 		2025 1,365 Millions of U.S. Dollars -558 Millions of U.S. Dollars -558 Millions of U.S. Dollars Mil. of U.S. $
line 30
Life insurance reserves 		2025 6,155 Millions of U.S. Dollars 4,338 Millions of U.S. Dollars 4,338 Millions of U.S. Dollars Mil. of U.S. $
line 31
U.S. direct investment abroad 		2025 12,748 Millions of U.S. Dollars 7,717 Millions of U.S. Dollars 7,717 Millions of U.S. Dollars Mil. of U.S. $
line 32
Miscellaneous assets 		2025 33,114 Millions of U.S. Dollars -16,436 Millions of U.S. Dollars -16,436 Millions of U.S. Dollars Mil. of U.S. $
line 33
Net increase in liabilities 		2025 693,928 Millions of U.S. Dollars 219,416 Millions of U.S. Dollars 219,416 Millions of U.S. Dollars Mil. of U.S. $
line 34
Net interbank liabilities 		2025 33,621 Millions of U.S. Dollars -149,412 Millions of U.S. Dollars -149,412 Millions of U.S. Dollars Mil. of U.S. $
line 35
Federal Reserve float 		2025 -5 Millions of U.S. Dollars -533 Millions of U.S. Dollars -533 Millions of U.S. Dollars Mil. of U.S. $
line 36
Borrowing from Federal Reserve banks 		2025 1,040 Millions of U.S. Dollars -125,398 Millions of U.S. Dollars -125,398 Millions of U.S. Dollars Mil. of U.S. $
line 37
To domestic banking 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 38
To foreign banks 		2025 32,272 Millions of U.S. Dollars -34,785 Millions of U.S. Dollars -34,785 Millions of U.S. Dollars Mil. of U.S. $
line 39
Checkable deposits 		2025 1,327,427 Millions of U.S. Dollars 501,262 Millions of U.S. Dollars 501,262 Millions of U.S. Dollars Mil. of U.S. $
line 40
Federal government 		2025 214 Millions of U.S. Dollars 329 Millions of U.S. Dollars 329 Millions of U.S. Dollars Mil. of U.S. $
line 41
Private domestic 		2025 1,279,871 Millions of U.S. Dollars 459,524 Millions of U.S. Dollars 459,524 Millions of U.S. Dollars Mil. of U.S. $
line 42
Rest of the world 		2025 6,500 Millions of U.S. Dollars 26,411 Millions of U.S. Dollars 26,411 Millions of U.S. Dollars Mil. of U.S. $
line 43
Time and savings deposits 		2025 -648,555 Millions of U.S. Dollars -74,516 Millions of U.S. Dollars -74,516 Millions of U.S. Dollars Mil. of U.S. $
line 44
Federal funds and security repos 		2025 15,642 Millions of U.S. Dollars 17,590 Millions of U.S. Dollars 17,590 Millions of U.S. Dollars Mil. of U.S. $
line 45
Debt securities 		2025 15,642 Millions of U.S. Dollars -27,413 Millions of U.S. Dollars -27,413 Millions of U.S. Dollars Mil. of U.S. $
line 46
Open market paper 		2025 11,491 Millions of U.S. Dollars -12,437 Millions of U.S. Dollars -12,437 Millions of U.S. Dollars Mil. of U.S. $
line 47
Corporate bonds 		2025 4,151 Millions of U.S. Dollars -14,976 Millions of U.S. Dollars -14,976 Millions of U.S. Dollars Mil. of U.S. $
line 48
Loans (other loans and advances) 		2025 -59,552 Millions of U.S. Dollars -81,129 Millions of U.S. Dollars -81,129 Millions of U.S. Dollars Mil. of U.S. $
line 49
Corporate equity issues 		2025 -591 Millions of U.S. Dollars -12,544 Millions of U.S. Dollars -12,544 Millions of U.S. Dollars Mil. of U.S. $
line 50
Taxes payable (net) 		2025 23,132 Millions of U.S. Dollars 4,629 Millions of U.S. Dollars 4,629 Millions of U.S. Dollars Mil. of U.S. $
line 51
Miscellaneous liabilities 		2025 -13,429 Millions of U.S. Dollars 28,405 Millions of U.S. Dollars 28,405 Millions of U.S. Dollars Mil. of U.S. $
line 52
Investment by holding companies 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 53
Other 		2025 -9,607 Millions of U.S. Dollars 26,428 Millions of U.S. Dollars 26,428 Millions of U.S. Dollars Mil. of U.S. $
line 54
Discrepancy 		2025 69,655 Millions of U.S. Dollars 111,573 Millions of U.S. Dollars 111,573 Millions of U.S. Dollars Mil. of U.S. $
Memo:
line 55
Consumer leases not included above 		2025 217 Millions of U.S. Dollars 935 Millions of U.S. Dollars 935 Millions of U.S. Dollars Mil. of U.S. $
line 56
Uninsured deposits 		2025 520,208 Millions of U.S. Dollars 392,088 Millions of U.S. Dollars 392,088 Millions of U.S. Dollars Mil. of U.S. $
   

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